Zil Money CEO Outlines a Unified Framework to Streamline ACH, Wire, Check, and Virtual Card Payments for Global Businesses
TYLER, TX, USA — November 1, 2025 — As the global B2B payments ecosystem enters a new phase of digital maturity, Sabeer Nelli, Founder and CEO of Zil Money, is proposing a next-generation framework that redefines how financial platforms handle complexity: a layered payments architecture that aligns reliability, compliance, and speed across multiple payment rails.
In a statement shared ahead of upcoming fintech industry discussions, Sabeer outlined how this layered model could help businesses move beyond siloed systems — connecting checks, ACH, wires, RTP, and international transfers into a unified workflow governed by a single set of operational standards.
“The future of payments isn’t about replacing old rails — it’s about organizing them,” said Sabeer Nelli, CEO of Zil Money. “Every payment method has a purpose. Our job as infrastructure builders is to layer them logically so that users experience one clean interface while the technology underneath handles the complexity.”
Sabeer’s layered architecture organizes modern B2B payments into three connected tiers: an execution layer that processes transactions across ACH, wire, virtual card, and eCheck rails; a governance layer that embeds compliance and audit control; and an experience layer that unifies payment initiation, tracking, and reconciliation in one interface. By separating user interaction from technical execution, Sabeer believes fintech can finally eliminate the long-standing duplication of logic across fragmented systems.
Today’s businesses operate in fragmented financial environments — with accounting tools, bank portals, and international payment gateways functioning independently. The layered architecture aims to consolidate these disconnected systems into one structured network, reducing redundancy while improving control, compliance, and cash-flow visibility.
“A company shouldn’t need five platforms to move money,” Sabeer added. “We’ve reached a point where integration must give way to true orchestration. The next generation of fintech will be judged by how well it hides complexity, not how loudly it displays innovation.”
Under Sabeer Nelli’s leadership, Zil Money has expanded its infrastructure to support instant transfers, cross-border corridors, and enterprise-level reconciliation, all while maintaining compliance with NACHA, PCI DSS, and global AML standards.
Contact Info
LinkedIn: linkedin.com/in/sabeer-nelliparamban
Website: www.sabeer.com
